January 23, 2026
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Best Lenders to Secure a 210k Secured Business Loan

Best Lenders to Secure a 210k Secured Business Loan

Discover the best lenders to secure a £210,000 secured business loan. Compare rates, terms and find the right financial support to grow your UK business.
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

Best Lenders to Secure a 210k Secured Business Loan

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-01-23.

1. Funding Agent

Funding Agent Funding Agent focuses on helping UK SMEs quickly compare various business finance options with a straightforward application process. It is typically suitable for businesses seeking unsecured loans with clear eligibility criteria. The service offers fast matching based on borrower needs without the requirement of collateral and provides a range of repayment terms.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. Time Finance

Time Finance Time Finance specialises in secured and asset-based finance solutions for UK businesses. It suits borrowers looking for a range of product types, including asset finance and loans, with an emphasis on flexible options. The provider offers varying loan terms and caters to businesses requiring tailored funding based on their asset and cash flow needs.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 11.5%
  • Max APR: 0%
  • Loan Duration: 3-60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Asset Finance
  • Industries: All industries

Pros

  • Variety of financial products
  • Flexible terms

Cons

  • Higher APR for some products

Sources: Source

3. Capify

Capify Capify concentrates on fast, flexible lending including merchant cash advances and business loans for UK SMEs. It is suited to businesses needing quick access to funding with adaptable repayment options. This provider serves sectors like retail and hospitality, offering solutions that accommodate changing revenue patterns.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 67.89%
  • Max APR: 0%
  • Loan Duration: 3-12 months ⌛

Services & Industries

  • Finance Types: Merchant Cash Advance, Business Loans
  • Industries: Retail, Hospitality

Pros

  • Fast approvals
  • Funding flexibility

Cons

  • High APR

Sources: Source

4. Accredo

Accredo Accredo provides secured, fixed-rate business finance primarily secured against UK property. It is well-suited for businesses needing long-term, predictable loan repayments with property as collateral. The lender focuses on fixed terms and steady repayment structures for companies with suitable security.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3-120 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Financial Leases
  • Industries: Property, Construction

Pros

  • Fixed rates
  • Long-term options

Cons

  • Secured loans only

Sources: Source

5. Barclays

Barclays Barclays offers a broad range of business loans, including secured and unsecured options, suited to UK SMEs across various sectors. It is appropriate for borrowers looking for established banking relationships and varied loan sizes. Barclays provides loan products with flexible durations and competitive rates reflecting borrower profiles.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: 1-10 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Agriculture, Manufacturing

Pros

  • Large loan sizes
  • Long history

Cons

  • Stringent requirements

Sources: Source

6. Lloyds Bank

Lloyds Bank Lloyds provides a variety of business loan products, including secured and unsecured options with fixed or variable rates. It is suitable for SMEs needing flexible loan durations and terms based on business needs. Lloyds serves diverse sectors with tailored financing solutions backed by established banking services.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: 1-25 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Retail, Real Estate

Pros

  • Wide range of services
  • Flexible loan periods

Cons

  • Higher APRs for smaller loans

Sources: Source

7. OakNorth

OakNorth OakNorth specialises in bespoke business lending, focusing on growth-stage companies needing tailored financial solutions. It is appropriate for borrowers requiring personalised terms and strategic funding support. The lender emphasises flexible financing structures but may have higher minimum loan amounts and selective criteria.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Business Loans, Personal Savings
  • Industries: SMEs

Pros

  • Tailored solutions
  • Focus on high-growth businesses

Cons

  • High minimum loan amount

Sources: Source

8. Together Money

Together Money Together Money offers specialist lending for business, commercial, and personal finance needs, focusing on secured products. It is suited for borrowers needing sensible lending solutions with varied product structures. The provider covers several industries and offers options including bridging and mortgages with flexible credit considerations.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 9.35%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Mortgages, Bridging Loans, Secured Loans
  • Industries: Commercial, Real Estate

Pros

  • Large maximum loan size
  • Diverse financial products

Cons

  • Higher interest rates

Sources: Source

9. Bionic

Bionic Bionic focuses on helping UK SMEs compare a wide array of business finance options through a brokered platform. It is useful for businesses seeking access to multiple lenders and varied loan types. The service facilitates matching borrowers with both secured and unsecured loan providers across different sectors.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 2%
  • Max APR: 15%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: SMEs

Pros

  • Comparison services
  • Wide network of lenders

Cons

  • Service dependent on third-party lenders

Sources: Source

10. Money.co.uk

Money.co.uk Money.co.uk provides comprehensive comparisons of secured and unsecured business loans across numerous providers. It suits SMEs looking for a broad overview of available options without specific lender bias. The platform supports decision-making by offering access to multiple loan products across all industries.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 6%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans, Business Loans
  • Industries: All industries

Pros

  • Extensive library of financial products
  • Free to use

Cons

  • Non-specific to individual businesses

Sources: Source

How to choose

Choosing the best lender for a 210 thousand pounds secured business loan requires balancing loan size, APR, and repayment flexibility. Assess your eligibility based on security offered, such as property or assets, and the lender's loan-to-value thresholds. Prioritise lenders with repayment terms that align with your cash flow and business cycles. Consider the trade-off between application speed and personalised service. Review fees, early repayment policies, and potential collateral requirements. Ensure the lender’s criteria fit your business sector and borrowing purpose before application.

Conclusion

Matching the right lender to your use case is essential when securing a 210 thousand pounds loan. Banks often suit businesses needing larger loan amounts with established credit, while brokers can provide access to a wide range of specialist lenders. Specialist lenders offer targeted finance for specific sectors or security types. Funding Agent remains a solid choice for SMEs seeking fast comparisons and straightforward options from multiple sources. Always verify current terms and conditions directly with providers.

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FAQs

What is a £210k secured business loan?
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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2Time FinanceTime Finance offers tailored financial solutions to UK businesses, providing everything from asset finance to business loans.£50,000–£500,000; 11.5%–0% APR; 3-60 months
3CapifyCapify offers fast and flexible business loans and merchant cash advances tailored to the needs of UK SMEs.£5,000–£1,000,000; 67.89%–0% APR; 3-12 months
4AccredoAccredo provides secured business finance solutions, focusing on fixed rate, fixed term loans secured against UK property.£10,000–£500,000; 0%–0% APR; 3-120 months
5BarclaysBarclays offers a range of business loans and financial services tailored to UK SMEs for over 250 years.£1,000–£25,000,000; 11.2%–0% APR; 1-10 years
6Lloyds BankLloyds offers various business loan products, including fixed and variable rate options for UK SMEs.£1,000–£50,000; 11.2%–0% APR; 1-25 years
7OakNorthOakNorth focuses on providing bespoke financial solutions for growing businesses and SMEs in the UK.£1,000,000–£0; 0%–0% APR; Unknown
8Together MoneyTogether Money is a specialist lender for business, commercial, and personal finance needs, offering common-sense lending solutions.£50,000–£5,000,000; 9.35%–0% APR; Unknown
9BionicBionic helps UK SMEs compare business finance options, ensuring they secure the best funding solutions for their needs.£1,000–£1,000,000; 2%–15% APR; Unknown
10Money.co.ukMoney.co.uk offers comprehensive comparisons of financial products including business loans to ensure businesses find the best deals available.£5,000–£500,000; 6%–0% APR; Unknown
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